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1 Local broker, National backing

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3 We take the time to understand your business, face to face. Who We Are Oyster Risk Solutions Ltd was founded in 2007 as an insurance broker with a difference - an insurance risk solutions business which operates nationally, but trades locally. Our highly professional and experienced Business Managers are empowered to provide insurance solutions without referral, meaning in most cases they can advise on solutions and confirm cover twenty four hours a day, seven days a week. Oyster Risk Solutions is a unique business, breaking the mould of the traditional broker. Our underwriting empowerment means we can work for you immediately, any day of any week. As part of Broker Network we are able to provide a wide range of insurance and risk consultancy services. Established in 1994, Broker Network is a national insurance distribution business incorporating a network for independent insurance brokers, a retail insurance broker for the provision of insurance advice to businesses and private individuals across the UK, and a Lloyd s and London market wholesale insurance broker. In December 2007, Broker Network Holdings plc was acquired by Towergate Partnership Ltd, the UK s largest independent insurance organisation. This gives Oyster Risk Solutions further strength in depth. We ensure our clients benefit from the highest quality of service, and due to our significant market influence, great pricing structures. We create bespoke insurance solutions We offer a sophisticated consultative review service at renewal We have comprehensive insurance knowledge and experience We are experienced in providing cover for local businesses We are entrusted to make decisions on the spot for complex insurance risks. What We Can Offer You All our Business Managers work locally so understand the markets and conditions. We appreciate that having the correct insurance policy for your business is of vital importance in providing protection should the worse ever happen. We offer a range of policies and services that can cover a variety of business types and risks including: Property Damage & Business Interruption Commercial Motor, Fleet & Haulage Motor Trade Golf Clubs Business Continuity Planning Non Standard Risks Liability Risks Professional Indemnity Contractors All Risks Marine & Transit Risks Group Personal Accident & Travel Cover Shops & Offices Risk Management Farms Charities

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5 We are more than just a business insurer - we treat your business with respect. There are no call centres at Oyster Risk Solutions - we believe in the personal touch. Our Business Managers have the experience to deal with all aspects of your insurance cover without delay. Business Insurance At Oyster Risk Solutions, we believe in making your life easier. We like to think of ourselves as your professional friend. Our approach works for you no matter what size your company. We are always available for advice, backed by insurers and a market that you can trust. Every business has its own unique risk profile and we work in partnership with you to identify and prioritise your own specific risks. There is no middle man, we offer clear and direct communications through your dedicated Business Manager. Personal Insurance We know that it s important to have cover that fits the individual needs of your lifestyle. We can offer policies on all the things in life that really matter to you. Our personal products include: Motor Household Travel Personal Accident Pets Holiday Homes We also understand your pensions and healthcare needs and have our own referral process so that you don t have to worry about anything.

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7 Health and Safety We can help you avoid Health and Safety issues - and there is no extra charge for our Risk Management consultancy. All businesses with over five employees are obliged to record their findings when carrying out a risk assessment which is subject to inspection by the Health and Safety Executive. At Oyster Risk Solutions our Business Managers are skilled at understanding and identifying possible dangers in the workplace and will make recommendations that are right for you as part of our Risk Management Survey. In addition we have access to experts in the Health and Safety sector and can facilitate detailed planning as required. And, to make things even easier, we can even arrange appropriate safety training for you and your employees. We tell you what you need - and what you don t need. People That You Can Trust We understand that the needs of a business often extend well beyond the obvious requirement for business insurance. For this reason, our local Business Managers will take a continuity approach when establishing how your business runs. This allows us to advise on a range of options designed to protect you in order to ensure your well being and business continuity should a loss occur. Our team of Business Managers are amongst the most experienced in the business. They are fully empowered to negotiate immediately on your behalf, making sure you have the right cover as quickly as possible. To find out how we can help you, contact us now. Oyster Risk Solutions Mowbray House Mowbray Square Harrogate North Yorkshire HG1 5AU Tel: Fax:

8 Oyster Risk Solutions Mowbray House Mowbray Square Harrogate North Yorkshire HG1 5AU Tel: Fax:

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